Why You Need At Least $2 Million of Third-Party Liability Coverage In Your Automobile Insurance Policy

What is the main purpose of third-party liability?

Third party liability coverage in an automobile insurance policy will cover you if you are at-fault in a motor vehicle accident. In addition to giving you peace of mind, the main purpose of third-party liability coverage is to protect your assets in the event damages are assessed against you.

Standard practice for insurance companies and insurance brokers in Alberta is to recommend $1 million in third-party liability coverage in an automobile insurance policy. As a personal injury law firm, we urge you not to default to this standard practice, but rather purchase $2 million or more in third-party liability insurance. Continue reading

The Importance of Your Family Doctor in Your Personal Injury Claim

Anyone who has been injured knows that it can be an awful experience. In addition to coping with pain and suffering, you may be worried that your symptoms might not improve. Furthermore, your injuries impact those around you. It’s never easy for those close to you to see you suffer, and they may experience feelings of helplessness. It’s important to everyone involved that you do whatever you can to heal and feel better.

If you are injured, the best way to help yourself and, those you love, is to follow the advice of your doctors and other medical professionals. In fact, from a legal standpoint, taking reasonable positive steps to ease your own pain and suffering is an extremely important part of obtaining full compensation for your injury claim. Continue reading

Winter Driving Tips for Motorists

Edmonton winters can be beautiful, but they can also be dangerous. Snow piles up on the road; blizzards impair drivers’ vision, and ice makes it easier for cars to slip.

Fortunately, car accident fatalities usually decrease during the winter. More people stay inside instead of risking bad weather, and most people drive slowly in bad weather.  However, accidents tend to increase on the first day or two after a snowstorm as drivers adjust to the new weather conditions. This was the case on November 2nd in Edmonton, with 51 collisions reported to police in the morning rush hour alone.

Not all accidents can be avoided, especially when you’re the victim of a negligent driver. Continue reading

Returning to Work After an Injury: What You Need to Know

Anyone who has been injured in an accident knows that it can be a period of extreme stress. In addition to coping with the pain caused by your injuries, you must deal with the tasks of daily life while injured and the fear of an unknown future if your injuries are serious enough to impact your ability to work.  

Even if you recover from your injuries to the extent that you are cleared to return to work, there is uncertainty as to whether or not you will get your old job back, what will happen if you are no longer able to do your old job, and what your employer’s obligations are to you. Continue reading

What to Do if You are Involved in a Motor Vehicle Collision

A minor motor vehicle collision can be a traumatic event. The following are some helpful hints about what to do if you are involved in a collision:

Information You Will Need

At the collision scene obtain all information related to the collision from the other party or parties involved in the collision including:

  • Name, address and phone number of all drivers (ask to see their driver’s licences);
  • Name, address and phone number of the owners of the vehicle(s) if different from the drivers;
  • The licence plate number and vehicle identification number of each of the vehicles, along with their make, model and colour;
  • The name of the insurance companies and policy numbers for each of the other vehicles involved.
Continue reading

Structured Settlements: Are They Right for You?

Most of the time, when a plaintiff is injured and awarded damages by the courts, a lump sum payment will be ordered. Essentially, what this means is that the court will total all of the damage amounts from the various heads of damage that were awarded, such as general damages or cost of future care, and the total amount of money is ordered to be paid to the plaintiff all at once. However, on occasion the courts will order a structured settlement. A structured settlement is a settlement agreed to between the parties where the plaintiff receives the amount of their damages on a periodic, scheduled basis. Continue reading